Well in this case, it's actually quite a systemic thing. In the morning, NPCs get up, get to their box of stuff™ and take out their clothes to put on.... and so this happened. They also notice if something was stolen from them, calling the guards (in a settlement). It's proper NPC scheduling, which makes me remember Ultima VII (and Gothic!). Various NPC dialogue even suggests you should take NPC behavior into account, like when planning to rob someone. "Watch people's behavior. When they go to work, when they go to bed."
Reckon I could rob all the village guards off their weapons and armor whilst asleep (they are actually taking shifts, so that the place is guarded all day). In fact, I may just try that. What are they gonna use against me if they catch me thiefing then? Harsh language? 😄
Some stuff doesn't work though. For instance, there is a big event coming in the area. And the NPC involved in that, you can only choke her, not kill her. Obviously for plot reasons, then. I actually tried to do that, trying if I could "cancel" the event. But the game wouldn't let you. All I could do was to KO her. Of course, I did so, carrying her body a couple hundred metres, dumping it into the field. Took the keys to her house from her. Then I sneaked around in her and her father's place (which is guarded by guards). I almost forgot about her when all of a sudden she came back, bursted into the place screamed that she was KO'd. The guards got alerted, spotted me and I was forced to run the **** away. 😄
edit: Yeah, works. Guarding barefoot and with only their shirts and pants on. Now only gotta clear the guards' weapon chamber (which seems separate, found it though). editedit: Damn, they caught me. 😄